Date Received: 2020-12-10
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I have being trying to get a credit card since XXXX and they always decline me. I am a XXXX XXXX XXXX in Puerto Rico and also have a XXXX XXXX. I dont have debt and the companies are always denied me. I feel is something that is so frustrating because I want to build credit but the company doesnt give me the opportunity.
Company Response:
State: PR
Zip: 00627
Submitted Via: Web
Date Sent: 2020-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Below are the open and close dates for each of the disputes I have opened with Discover. Each time I ask them to provide proof that I opened the account they ask for my information ( which I have given to them more than once ) and they send me billing statements which I do not recognize at all. I provided proof of address of my residence through a bank statement ( attached ) which shows a different address than the one that was used to open the Discover account. Also attached is the last dispute letter I sent out as well as bank statements from XXXX to XX/XX/XXXX and XX/XX/XXXX to show I still have access to this bank account. 1. XXXX XX/XX/XXXX - XXXX XXXX 2. XXXX XX/XX/XXXX - XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX - XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX - XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX - XXXX XX/XX/XXXX
Company Response:
State: UT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-09
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX Credit Reporting company refused to " delete '' two ( 2 ) Hard Inquiries, both of which I've never applied for credit! Experian shows one ( 1 ) Hard Inquiry - XX/XX/XXXX from Discover Credit Card Company. However, upon reviewing XXXX 's website WITH HAVING TO PAY for a Premium Revolving charge Membership, I am looking at THEIR report on me and there's two ( 2 ) Hard Inquiries! The 2nd is from XXXX XXXX XXXX in XXXX. I never have applied for credit with XXXX XXXX, either! I already called both Companies and they couldn't confirm or find any application for credit. Both directed me to XXXX and XXXX and XXXX XXXX. Today, after being told by a fraud department agent named XXXX, that they " XXXX '' can not and will not remove the 2 incorrect Hard Inquiries. XXXX doesn't want my XXXX Score to rise. XXXX hung up on me when I asked to have a supervisor contact me. The call ended at XXXX MST and my calls are automatically recorded & stored. I'm sure they recorded the call, too. Both Agents were incredibly rude, inept at facts, and evidently weren't trained in U.S. Credit Federal Law. My request ... I WANT BOTH INCORRECT HARD INQUIRIES DELETED/REMOVED! I ALSO WANT XXXX TO CRITIQUE THEIR 2 PHONE AGENTS, PRIMARILY, XXXX. I can upload the actual phone call file if needed. I will attach the image screenshot of the 2 Hard Inquiries that are on my XXXX Credit Report. Moreover, I'm requesting AGAIN ( 2nd time ) for XXXX Credit to ALSO DELETE/REMOVE the Indicator of " seeking credit '' from my report and as it factors into my XXXX Credit Report and ALL FORMS OF MY XXXX SCORES, including but not limited to, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, etc. Respectfully, XXXX XXXX XXXX
Company Response:
State: CO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have online savings acount with Discover Online Savings which had significant money, I dont use it much as its a savings account. I discovered on XX/XX/XXXX that around XX/XX/XXXX there were fradulant withdrawals from the account to the tune of XXXX XXXX The statement description says " XXXX ACH ''. Though I have a XXXX account, it was never was linked to this bank account and there is no history of any such activity in my account.. I was not sent any notification by the bank of transfers nor was there two step authentication. XXXX and Bank refuse to help as its more than 1 year but as this is savings account which I did not use, I did not see the need to check statements regularly.
Company Response:
State: NY
Zip: 10016
Submitted Via: Web
Date Sent: 2020-12-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Violation of my rights
Company Response:
State: GA
Zip: 30132
Submitted Via: Web
Date Sent: 2020-12-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-09
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Still have problem with the so called discover, I relly suggest them to pay a psycologist/ndeurologist for their employee since manuy of them are not even able to undertand what a internet/web banking is they want to operate on the internet but the web scares them too much, that's wy they have to transfer their company from the web to the physical store I have placed a complaint when the the checking account was blocked for one of their non sense reasons tI have added my passport and driver licence in their website page named " secure document upload '' but still they are not sure if I'm myself I have also contacted their executive office and they were at least able to write a send a email were they have confirmed that they were working to remove the checking account block for this bank managed by clown everithing is sospicious, if someone wants to update the email adress, tha 's a socspicious actvity, if someone has a phone number with a area code that they are not able to understand, that's a sospicious activity, if somone updates her mailing adress that's a socsicious activity, but the update bottom is there, so why the XXXX they have provded a update bottom if they consider everithing that was updated a " sospicious activity '', but 1 pasword is secure did they know that 10 passwords are better than 1, they are neversecure enought now the account is working but the ach transfers of funds from discover to the linked external checking account is disabled, so the account was not reinstated completely I want a fully working account and to ease their mind I tell them again, if a simple account update make them so nervous they have to remove the update buttom and they have to provide a fixed fileds online account, then the customers will choose if they want to use this bank managed by clowns or if they want to exclude them from the options I will now post a federal trade comission complaints also since they insist too much to receive complaints I WILL COMUNICATE WITH THE INTERNET, WEB IN WRTING ONLY, NO OPHONES HEREM PHONES ARE NOT AVAILBLE SINCE I HAVE ESTABILISHED FOR MYSELF THAT I WANT TO USE THE INTERNET BANKING AND NOT THE PHONE BANKING MAKE UO YOUR MIND, TO EASE YOUR MIND I TELL YOU AGAIN, I SIGNED UP FOR A ONLINE BANKING IS IT CLEAR ENOUGHT, OR PEHAPS YOU DO NOT UNDERSTAND ENGLISH I CAN PROVIDE A VOPY OF MY DOCUMENT ID IF NEEDED BY EMAIL, AND I CAN SEND THE DOC FROM THE EMAIL ADRESS REGISTERED ON THE BANK ACCOUNT!
Company Response:
State: NY
Zip: 10016
Submitted Via: Web
Date Sent: 2020-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I filed three complaints with Discover Card regarding an cash back offer that they advertised a full cash back after 13 months of usage. I opened the account. At the third month I noticed they listed the accumulated cash back that was {$.00} for each transaction. At the third month I called Discover Card and they said I misunderstood the offer. I did not misunderstand anything, they say one thing to get a consumer to enroll and throw it out the window at their convenience with {$.00} cash. WHO would accept a cash back of {$.00} for 13 months of purchases. I called Discover who insisted I misunderstood their offer. I didn't misunderstand anything, they're offer was bogus and denial. The second two complaints were to XXXX and XXXX because each month my credit card was dropping. I was at XXXX and for unexplained or valid reasoning, my score had dropped to XXXX. WHY? I have no outstanding loans, nothing overdue so what is the reason for the drop. There is no reason, it's their perogative to do as they please with my credit without any recourse for THEIR actions. How could my score to drop so severely with no issues anywhere. Key Factor 1 Number of accounts with delinquency Key Factor 2 Lack of recent installment loan information Key Factor 3 Too few accounts currently paid as agreed Key Factor 4 Length of time accounts have been established No. 1, I have NO DELINQUENT accounts. No. 2, I have no loans for their " lack of recent installment loan '' information. I don't even know what that means since I have NO LOANS. No. 3, Too few accounts currently paid as agreed. I have two accounts, one from Discover which I opened for emergencies only, and my credit/debit account through my bank which I use every day. No. 4, Length of time accounts have been established. If the company makes a mistake such as Master Card charging me twice for the same issue, not fixing it for days, I DON'T TRUST them or their accounting. I despise paying interest so I pay cash to live. I have a house, paid for, I have a car, paid for, I have to eat, paid at time of purchase, I order through XXXX almost every day and everything I purchase is automatically deducted from my bank Credit/Debit Account. This seems to me a rack that CFPB is allowing and condoning. I have no outstanding bills of any kind yet reading Discover 's report I sound like a deadbeat, especially when it is not true. Furthermore, Discover 's cancelling my account is the result of my initial complaint, not for any of the reasons they cite, which will decrease my score again because now I have a credit card cancelled by Discover. It appears Discover is penalizing me for filing a legitimate complaint that they have a duty to answer, not disregard and cancel. Your job is to protect the consumer, you just accept what they say as gospel and consumers are negatively effected. This is all beyond comprehension putting consumers at the mercy of the what the credit card company says. XXXX was just hacked, so why should they have any financial business with my credit? This is a chase your tail game set up by the government and they continue to impune my and other consumer 's credit TO THEIR BENEFIT, leaving the consumer helpless to correct anything. I work very hard to incur no bills or delinquencies and instead of being rewarded as a good customer, I'M PUNISHED,
Company Response:
State: IL
Zip: 60073
Submitted Via: Web
Date Sent: 2020-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-08
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I placed an order with XXXX on XX/XX/2020. I did not receive my order. I made it clear to both XXXX and Discover that it would have been impossible for the packages to be delivered as no one was home and my property has a locked gate and a big dog with a dog warning label. The only possible place the package could have been delivered was either a neighbors hour or the sidewalk. None of my neighbors have the package and it is no where near my property. Discover refuses to grant the dispute in my favor because XXXX provided proof of delivery. But, there was no signature or picture provided confirming proof of delivery. I have paid XXXX $ for products I did not receive. This not okay.
Company Response:
State: CA
Zip: 90220
Submitted Via: Web
Date Sent: 2020-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Discover Financial Services XXXX This account was opened XX/XX/2019 and removed from my credit files XX/XX/2019. I have not had any issues with XXXX or XXXX. Discover Financial Services reinserted this account back to my XXXX credit file without verifying that I owe anything. Neither Discover Financial Services nor XXXX have provided documents proving I granted Discover Financial Services permission to post to my credit profile. XXXX did not offer any explanation of how Discover Financial Services was verified. Discover Financial Services continuously violates 15 USC sections 1692 A E and XXXX allows it. Discover Financial Services refuses to provide contracts with my signature proving I agreed to do business with Discover Financial Services. It is unfair as a consumer that I have to endure unfair credit reporting practices from Discover Financial Services and XXXX. This account was charged off 7 times. XXXX has continued to ignore my requests to remove this account and stated in writing that unless I send in relevant information they will not investigate my dispute yet XXXX has not shared information with me on how Discover Financial Services was able to prove I owe anything. I feel helpless because these companies are allowed to treat us however they want and are allowed to get away with it. I even read in the Fair Credit Reporting Acts that once an account is removed it can not be reinserted to a consumers credit profile. How are these companies allowed to get away with this?
Company Response:
State: SC
Zip: 29615
Submitted Via: Web
Date Sent: 2020-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-08
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: They started around the first of XXXX. They call saying they are from Discover Card and want to offer a savings rate for paying debts. I have told them I am already on a payment plan with Discover Card. I also tell them not to call again or add me to their do not call list. They continue to call several times a day. When I try to repeat that I am already on a payment plan and not to call again they hang up. They also try calling under another number.
Company Response:
State: MS
Zip: 393XX
Submitted Via: Web
Date Sent: 2020-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A